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Investment options

With Virgin Money Super you can choose exactly how your money is managed with investment options that are easy to understand and straightforward. From ‘do it for me please’ to ‘let me take control’, the choice about how to invest your money is definitely yours. Take a look at our super investment options to help you decide which is best for you.

LifeStage Tracker® investment option

Not overly confident about managing your investments? No problem! The LifeStage Tracker option will do it for you. This option has a whole of life approach to investing your super and does all the hard work for you. When you join LifeStage Tracker, you’re allocated a ‘path’, based on the year of your birth. Each year, your path is automatically adjusted to help ensure your asset mix is in line with your life stage.

How does it work?

LifeStage Tracker automatically adjusts your investments as you age. The investments slowly shift from growth, or ‘higher-risk’ assets, to defensive or ‘lower-risk’ assets. When you’re younger, your path starts with a higher allocation of growth assets (growth 85% and defensive 15%). As you get older, your path will gradually be adjusted to reduce volatility in the years leading up to your retirement. This adjustment continues until you have an asset allocation of 45% growth and 55% defensive.

The graph shows the shift between growth and defensive assets as you get older.

To see more details on how your super will be invested, click on the year of birth that applies to you.

Choose your own investment mix

If you want to take more control of where your super is
invested our selection of investment options gives you the ability to
invest your money where you’re most comfortable. That way you can take
more control of your future.

You can choose a single option, or a mix of options from
any of the investment options detailed below. There is also no limit on
the number of options you can select to be invested in.

Asset choice menu

This option invests mainly in Australian shares. The option takes an indexed investment approach. It is designed for customers who want exposure to growth assets and can tolerate a high level of risk cover over ten years.

This option invests mainly in global shares. International currency exposure is unhedged. The option takes an indexed investment approach. It is designed for customers who want exposure to growth assets and can tolerate a high level of risk over 10 years.

To maintain the invested capital and to achieve a return above that available on bank bills as measured by the Bloomberg AusBond Bank Bill Index on an annual basis. It is designed for customers who want no exposure to growth assets and can tolerate a very low level of risk over one year or less.

This option invests mainly in Australian and international shares. International currency exposure may be hedged. The option takes an indexed investment approach. It is designed of customers who want exposure to growth assets and can tolerate a high level of risk over ten years.

This option invests across most asset classes but mainly in growth assets. The option predominantly takes an indexed investment approach, but with a small amount of active management. It is designed for customers who want exposure to mainly growth assets an can tolerate a high level of risk over 5 years. The option aims to achieve a return of CPI + 3% (after tax and investment fees) per annum over a rolling 3 year period.

This option invests across most asset classes but mainly in defensive assets. The option predominantly takes an index investment approach, but with a small amount of active management. It is designed for customer who want exposure to mainly defensive assets and can tolerate a low to medium level of risk over 3 years. The option aims to achieve a return of CPI + 1.5% (after tax and investment fees) per annum over a rolling 3 year period.

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The information above is intended as a guide only. If you are unsure about who you need to make contributions for we suggest you contact the ATO.

As an employer, it's important you fully understand your superannuation obligations as failure to meet these minimum requirements could mean financial penalties from the Government.

QuickSuper is a registered trademark and a product owned and operated by Westpac Banking Corporation ABN 33 007 457 141. Westpac's terms and conditions applicable to the QuickSuper service are available after your eligibility for the free clearing house service is assessed by Virgin Money Super.

The superannuation fees described on the fees page apply from 12 December 2016. Here you'll find the official Superannuation Industry (Supervision) Act 1993 ('SIS Act') definition for each fee type.

While there are no contribution, withdrawal or switching fees, a buy/sell spread applies at a fund level when purchasing and selling units. Other fees and costs may apply such as insurance fees. These are retained by the fund and are not paid to Virgin Money or the Trustee. All fees are inclusive of Goods and Services Tax (GST) and net of Reduced Input Tax Credits (RITC).

Before you rollover or consolidate your superannuation, you should check to see if insurance or other benefits will be impacted or lost. Some funds may also charge withdrawal or exit fees.

It is very important to note that superannuation is generally a long term investment. Past investment performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund. It is very important to note that superannuation is a generally long term investment and that past performance is not indicative of future performance.

SuperRatings award reflects a funds' value for money, and is awarded based on a rating system of investment, fees and service. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria.

The amount shown is an estimate only of the Indirect Cost Ratio (ICR) generally expected to apply to these investments for 2016-2017 Financial Year.

Virgin Money Super’s fund returns shown above are net earnings and are calculated after the deduction of applicable taxes and costs. The results are current as at 30 June 2017. These results are provided by Virgin Money Super Asset consultants. It is very important to note that past performance is not indicative of future performance.

The median results are provided by SuperRatings and are current as at 30 June 2016 as a benchmark only. Virgin Money Super has not verified its accuracy so we can’t guarantee that it is correct, and accept no liability for inaccuracies, errors or omissions.

Eligibility criteria and fees apply. Aged 15-64 Death and Total and Permanent Disability cover. Automatic Insurance cover is subject to Exclusions including Pre-Existing Medical Condition exclusion. This means that, you won’t be covered for any illness, injury, condition or related symptom that you were aware of or should have been aware of, or had a medical consultation for, were planning to have a medical consultation for, or should have had a medical consultation for in the two years prior to cover commencement. See the Virgin Money Super Insurance Guide for more information.

The case studies shown are hypothetical and are not meant to illustrate the circumstances of any particular individual. All claims will be assessed in accordance with the policy terms. In the event of any inconsistency with other material, the insurance policy terms will prevail.
For further information regarding Virgin Money Super’s insurance cover, including terms, conditions and eligibility, please refer to the Insurance Guide which forms part of the Product Disclosure Statement (PDS). The PDS is also available free of charge by contacting Customer Services on 1300 652 770.
This information is of a general nature and has been prepared without taking account of your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances and objectives. You should read the relevant Product Disclosure Statement available by calling 1300 652 770 and consider if this product is right for you before making a decision to acquire or continue to hold the product.